Are you looking for cheap car insurance in Utah? Look no further than Freedom National. Our program features are tailored specifically to Utah drivers, offering fiercely competitive rates without compromising on quality. With extended coverage options, good driver discounts, and fast 24-hour processing, getting car insurance with Freedom National has never been easier. Say goodbye to the hassle of haggling with insurance sales representatives and get the cheap car insurance you need in Utah.
Unique Driving Hazards in Utah
Utah is renowned for its breathtaking natural beauty, from the snowy alpine heights of Northern Utah to the otherworldly red-rock formations of Moab and Southern Utah. However, the state’s intense beauty comes at a cost. Utah presents unique driving hazards that can result in damage, unexpected accidents, and other dangers to your vehicle and fellow drivers.
That’s why finding the best cheap car insurance in Utah is essential. Freedom National provides high-quality, affordable car insurance tailored to Utah drivers. Even if you have a history of DUIs, at-fault accidents, or other events that may make your car insurance more expensive, we specialize in offering cheap coverage to ‘at-risk’ or ‘high-risk’ drivers.
Minimum Coverage Requirements in Utah
To provide you with the best cheap coverage in Utah, it’s crucial to understand the minimum coverage requirements. All car insurance in Utah requires minimum no-fault liability insurance and personal injury protection (PIP). Here are the minimum limits and insurance requirements set by the state:
- $25,000 bodily injury liability coverage per person
- $65,000 bodily injury liability insurance per incident
- $15,000 property damage liability per incident
- $3,000 personal injury protection (PIP) per person
Having liability insurance is not only a legal requirement but also essential in covering the medical and repair costs of others if you’re found at fault in an accident. PIP covers your personal medical expenses regardless of fault.
Please note that any car insurance Utah drivers purchase must adhere to Utah’s comparative negligence law. This law determines when someone can sue for damages and the corresponding percentage of fault. If you’re less than 50% at fault, the insurance provider of the driver at fault will offer you a claim settlement that corresponds to the percentage of fault.
Optional Coverage for Utah
At Freedom National, we offer more than just the minimum coverage. We provide optional coverage options to give you increased protection from financial liability. These options include comprehensive coverage, collision coverage, uninsured/underinsured motorist bodily injury coverage, uninsured motorist property damage coverage, emergency roadside service, rental, and towing coverage.
Utah Car Insurance – Specifications
Utah has specific car insurance requirements and specifications unique to the state. Understanding these specifications is crucial when purchasing cheap car insurance in Utah.
Personal Injury Protection (PIP) Coverage
Utah has unique specifications for personal injury protection (PIP) coverage. In the event of an accident, PIP coverage in Utah will pay for:
- Medical expenses incurred due to accident-related injuries
- Lost wages resulting from injuries sustained in the accident
- Household replacement services for tasks you would have completed but can no longer do due to accident-related injuries
How Claims Settlements Are Decided
Utah’s comparative negligence law makes accident claims more complex. Comparative negligence means multiple drivers can be at fault to varying degrees. The amount one party can sue the other for damages depends on the determined comparative negligence percentage. If you’re less than 50% at fault, you can sue for damages based on the other driver’s percentage of fault.
Proof of Insurance in Utah
Utah law requires motorists to carry proof of insurance at all times and present it to any law enforcement officer upon request. Freedom National offers instant download or printing of proof of insurance, ensuring compliance with Utah state law.
Utah is a No-Fault State
Utah follows a no-fault insurance system, meaning your insurance coverage might be your only option for covering medical bills in a car accident with bodily injury. However, the state’s threshold for filing a lawsuit against the at-fault driver is $3,000. You must have at least that amount of personal injury protection coverage, and you can sue the other driver’s insurer for additional costs only when your medical bills exceed this threshold. Exceptions apply in cases of certain traumatic, lasting injuries.
Cheap Car Insurance with Freedom National
At Freedom National, we provide the best cheap car insurance in Utah by working with multiple insurance companies that prioritize financial stability and offer coverage to less-than-ideal drivers. We cover drivers with less-than-perfect credit, DUI events or accidents, traffic tickets, and lapses in prior coverage.
We make it easy to get the paperwork you need to register your vehicle or reinstate your license. With a wide range of payment options and personalized claims handling, we offer a custom car insurance experience for every individual customer. Your insurance policy should be as unique as you and your needs.
Car Insurance Quotes in Utah
When obtaining quotes for cheap car insurance in Utah, several factors can affect the price. These factors include your driving record, claims history, age, gender, marriage status, coverage selections and limits, deductibles, year, make, and model of your car, zip code, insurance history, and potential discounts.
Freedom National works with the best auto insurers in Utah to offer discounts tailored to your individual case. Safe driving history and no lapses in coverage are among the factors that can qualify you for discounts.
Looking for Cheap Utah Car Insurance?
Freedom National covers the entire state of Utah, including major cities and areas such as Salt Lake City, West Valley City, Draper, Ogden, West Jordan, Midvale, Magna, Sandy, South Jordan, Taylorsville, Provo, Millcreek, Layton, Orem, and St. George.
Why wait? Access the best car insurance Utah has to offer today. Buy online, go from quote to coverage in 5 minutes, receive your proof of insurance instantly, and get the cheapest car insurance coverage from the best auto insurance company in the state.
FAQs
-
Can I get cheap car insurance in Utah?
Yes, Freedom National offers competitive rates for cheap car insurance in Utah tailored to your needs. -
What are the minimum coverage requirements in Utah?
Utah requires no-fault liability insurance and personal injury protection (PIP) at minimum. The limits are $25,000 bodily injury liability coverage per person, $65,000 bodily injury liability insurance per incident, $15,000 property damage liability per incident, and $3,000 PIP per person. -
What optional coverage options are available in Utah?
Freedom National offers comprehensive coverage, collision coverage, uninsured/underinsured motorist bodily injury coverage, uninsured motorist property damage coverage, emergency roadside service, rental, and towing coverage. -
How does Freedom National provide cheap car insurance in Utah?
Freedom National works with multiple insurance companies that prioritize financial stability and offer coverage to less-than-ideal drivers, allowing us to provide cheap car insurance to most drivers.
Conclusion
When it comes to cheap car insurance in Utah, Freedom National is the top choice. We offer affordable rates without compromising on quality. With coverage tailored to Utah drivers, fast processing, and a wide range of optional coverage options, we make obtaining car insurance quick and easy. Don’t settle for less when you can get the best car insurance Utah has to offer.
